Don’t you hate those phone calls where, as soon as you answer, a recorded message asks you if you’re failing to pay your mortgage, or that you might be one of thousands of people who have over-paid bank charges? People find it hard enough to admit to themselves that they’ve got a problem, let alone to some computer voice! But how exactly can you get out of debt? Some people find it hard enough to find money for the next loaf of bread, apart from paying off the mortgage!

This month’s Livin’Life seeks out one or two people and organisations that can help those treading the financial waters, and speaks to those who’ve been rescued from the economic sinking sand.